Retail Relationship Banker

BMO•Sun City West, AZ

1d•$41,500 - $65,500

About The Position

The Retail Relationship Banker delivers exceptional service to BMO customers and prospects by understanding their needs and recommending suitable financial solutions. The role builds customer loyalty and relationships through needs-based conversations, tailored advice, digital banking guidance, community outreach, and support for customer transactions. Solutions may include everyday banking, retail investments, lending, home financing, and small business banking. The banker contributes to branch and market results as a collaborative team member, supports lending decisions and portfolio risk management, and ensures accurate, compliant handling of customer information and applications. The role may involve working at multiple branches or through different channels based on market needs. Work schedules may vary from week to week in days, hours, and shifts.

Requirements

Typically 2–3 years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience.
Appropriate lending qualifications and designations.
Working knowledge of personal and small business customer needs and solutions.
Working knowledge of retail investments and lending products.
Experience in a consultative customer service or sales role and commitment to delivering a personal customer experience.
Confidence and experience using social media, tablets, smartphones, online tools, and applications.
Strong interpersonal skills and ability to build rapport and connections with customers.
Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
Good verbal and written communication skills.
Good organization skills.
Good collaboration and teamwork skills.
Good analytical and problem-solving skills.
For U.S. positions: Federal registration with the Nationwide Mortgage Licensing System and Registry is required. A criminal background review and credit history evaluation are required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

Experience in financial services.
For Canada positions, completion of registration to sell investment products, as appropriate for the jurisdiction.

Responsibilities

Proactively engage existing customers and prospects, conduct needs assessments, grow loyalty, and identify current and future opportunities.
Recommend tailored financial solutions that address customer sales and service needs, including everyday banking, investments, lending, home financing, and small business solutions.
Advise customers on digital and self-service banking options.
Support customer transactions according to branch traffic.
Generate appointments and build new customer relationships in the community through outreach.
Address questions and resolve issues identified through consumer credit audits and quality checks, ensuring accurate data entry and compliant lending recommendations.
Apply risk management practices to protect bank assets and maintain lending portfolio quality.
Make personal lending and home financing credit recommendations in accordance with sound credit principles and bank policies.
Collaborate as a member of the branch and market team and contribute to business results and customer experience.
Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions into conversations.
Maintain accurate and complete work information and seek creative ways to personalize and improve the customer experience.
Follow risk and compliance processes to safeguard customer assets and privacy and act in customers’ best interests.
Stay current on financial services, legal and regulatory requirements, and personal banking products, practices, and trends.
Identify and report suspicious activity that may be related to money laundering.
Protect bank assets and comply with applicable legal, regulatory, and ethical requirements.
Complete complex and diverse tasks within established rules and limits, handle escalations as needed, and analyze issues to determine next steps.
Make sound, risk-informed decisions in accordance with the Risk Management Framework, approved Risk Appetite, policies, and applicable laws and regulations.